The down payment ratio of the first suite in Changsha is generally 20% to 30%. When handling a new house loan, the down payment shall be based on the market price at the time of purchase, and the loan proportion shall be determined according to the number of personal loans and the credibility of personal loans. For the first house with an area of less than 90 square meters, the down payment is 20%, and the loan can be 80%. For the house with an area of more than 90 square meters, the down payment must be 30%, and the loan can be up to 70%. For the second house, the down payment is 50%, and the interest rate goes up 10%. So as long as you buy a house with an area of less than 90 square meters, you can make a down payment of 20%. At present, the interest rate is not Changsha hukou, and the social security has not been paid for one year. Banks will not make mortgage loans for buying houses. According to the current policy in Changsha, if a family buys the first suite and applies for provident fund loans, the down payment ratio for rough houses with a construction area of less than 90 square meters is 20%, and that for houses with a construction area of more than 90 square meters is 30%. The down payment ratio for the second suite and hardcover room is 50%. Those who buy more than the third suite will not support the provident fund loan and withdrawal business, or strictly implement the policy of guaranteeing one limit, two prohibitions and three prohibitions. For the review of loan applications, we will still follow the principle of recognizing housing and recognizing loans.